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Health Insurance Nondiscrimination Rules

Overview Group health plans and tax-favored accounts—including health savings accounts (HSAs), health flexible spending arrangements (health FSAs), and health reimbursement arrangements (HRAs)—are subject to numerous nondiscrimination provisions under federal law. The...

Employee Assistance Programs (EAPs)

Employee assistance programs (EAPs) are employer-sponsored programs that provide support services to employees experiencing health, family, financial, alcohol, drug, or stress issues. The structure and operation of each EAP will vary with the needs of each company,...
Group Life Insurance

Group Life Insurance

Although not required to by law, many employers offer group-term life insurance coverage to their employees. Benefits under a group-term life insurance policy are paid only if the insured dies during the policy’s term. Advantages of Group-Term Life Insurance...
State Continuation & COBRA Coverage

State Continuation & COBRA Coverage

There are two common forms of extended insurance coverage for employees who are voluntarily leaving employment. Consolidated Omnibus Budget Reconciliation Act, also known as COBRA, is the more common term, which only affects employers who have more than 20 employees....
State Continuation & COBRA Coverage

Texas Association Health Plans

Important Notice Due to a ruling by a U.S. District Court judge on March 28, 2019, most carriers have suspended proposals for Employer Association Health Plans. Read More Here. UnitedHealthcare has announced a state-wide initiative to take advantage of the recently...
Health Reimbursement Arrangement

Health Reimbursement Arrangement

A Health Reimbursement Arrangement (HRA) is a tax-advantaged benefit that allows both employees and employers to save on the cost of healthcare. Jump to section: 1. QSEHRA (Qualified Small Employer Health Reimbursement Arrangement) HRA plans are employer-funded...